Congratulations on the soon to be new arrival! Do not look at it as a pain in the ass. It's truly a blessing. Health is the only thing that matters.
Say your prayers and listen to those who know.
Read to your child, even when they keep bringing you the same book. It's how they develop their memory and learn.
Hug them every day and never leave the house without telling them you love them.
Spend time with them. Go to their ball games and save your option days for school programs and such. These things only come around once and you will regret missing them.
Change your share of the diapers. You'll be amazed at how comfortable you are with body fluid.
With toys: less is more.
Video games are from Satan. I'm not joking.
Go to church.
Most of all, give them your love and time.
That said, the money is the least of your problems. Your insurance will cover the vast majority of the cost and many OB-GYNs include the pre-birth office visits in the deal. Well-care (shots) are also now covered.